The Cheapest Car Insurance in Maine for 2022

GEICO offers the cheapest car insurance in Maine, with an annual rate of $266 for a minimum coverage policy.

MoneyGeek gathered and analyzed quotes from several auto insurance providers in Maine to determine the cheapest option. Your specific profile determines the most affordable provider for you. For instance, State Farm is the cheapest carrier for drivers with traffic infractions on their record. Shopping around and comparing rates in Maine might help you save around $372 per year on your insurance.

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Last Updated: 12/1/2022
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MoneyGeek found the cheapest insurance companies in Maine by city to help you figure out how much coverage could cost based on your location in the state. If you’re looking for insurers that balance service quality and cost, we also found the best insurance companies in Maine.

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Methodology

Why Trust MoneyGeek? Maine car insurance rates in this study are based on our analysis of data and information from the Maine Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in Maine have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in Maine

In Maine, the cheapest car insurance is a minimum liability coverage policy. If affordable rates are your main priority, a minimum coverage plan meets the state’s baseline auto insurance requirements and won’t break the bank.

On average, the cheapest car insurance companies in Maine for minimum coverage are:

  • GEICO: $266 per year
  • State Farm: $355 per year

USAA is available for military families and is the cheapest option in the state at roughly $197 per year. The most expensive car insurance for minimum coverage is Allstate, at an average cost of $480 per year.

CHEAPEST MINIMUM CAR INSURANCE IN MAINE

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These prices are only estimates based on rates for an average Maine driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Maine

Full coverage insurance with higher liability limits and comprehensive and collision insurance can protect you against most road accidents and off-road incidents in Maine. It’s more expensive than minimum coverage, but it provides coverage for damages to your car, not just the other driver’s vehicle. To save money on your premiums, you can compare car insurance quotes from multiple companies.

The most affordable widely-available full coverage car insurance in Maine comes from, on average:

  • GEICO: $485 per year
  • Concord Group: $619 per year

Eligible military members can choose USAA to get full coverage rates for an average of only $387 per year. Progressive, which is the most expensive full coverage insurer, costs an average of $758 per year.

CHEAPEST FULL COVERAGE CAR INSURANCE IN MAINE

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Please note that your costs will differ from these examples. The premiums above are for a policy with comprehensive and collision insurance and $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

How to Compare Cheap Maine Car Insurance Quotes Online

Most car insurance carriers offer an online quote tool that gives reasonably precise quotes based on your input. Be sure to identify how much coverage you need so you can compare insurers with consistent limits. For example, if you get a quote with one company for $50,000 in bodily liability insurance per accident, you should ensure to use the same figure when comparing prices with another insurer.

You can determine the cost of car insurance for an average driver using the MoneyGeek calculator. Should you decide to get a personalized quote from any of the insurers, you will need to provide more personal information. USAA, GEICO and MetLife are the cheapest car insurance companies on average in Maine, so MoneyGeek recommends beginning your search by getting a quote from these carriers.

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Cheapest Car Insurance in Maine for Young Drivers

Car insurance costs are higher for younger drivers because they are less experienced. In Maine, car insurance coverage costs an average of $1,763 for a 16-year-old and $737 for a 25-year-old driver.

Based on MoneyGeek’s analysis, GEICO was found to be the cheapest for each age in the 16-25 year range for the average driver. The only exception to this is for drivers who are 18 years of age. In this scenario, Allstate is the ideal option.

ANNUAL CAR INSURANCE IN MAINE FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $1,763
    GEICO
    $1,351
  • $1,655
    GEICO
    $1,351
  • $1,453
    Allstate
    $1,254
  • $1,621
    GEICO
    $1,216
  • $1,372
    GEICO
    $982
  • $1,102
    GEICO
    $868
  • $1,015
    GEICO
    $824
  • $903
    GEICO
    $688
  • $833
    GEICO
    $663
  • $737
    GEICO
    $579

Based on MoneyGeek’s research, the difference in GEICO’s policy cost for a 16-year-old driver and a 25-year-old driver is $772. You can save money on insurance costs even with a young driver on your policy by taking advantage of the various student-related discounts your insurer may offer, like a good student, a distant student and a safe driving discount.

Cheapest Car Insurance in Maine for Seniors

Car insurance in Maine is typically more expensive for senior drivers than for middle-aged drivers. However, in Maine, it’s only around $16 more expensive.

On average, the most affordable car insurance carriers in Maine offering full coverage for senior drivers are:

  • GEICO: $440 per year
  • Concord Group: $596 per year

USAA, for military members and their families, is $387 on average per year, making it the most affordable option in the state for senior drivers. The costliest option for senior drivers is Travelers at an average of $901 per year.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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In general, seniors pay more for their car insurance rates due to increased response times and vision issues. However, it is possible for senior drivers in Maine to get affordable rates.

The average cost of car insurance for seniors in Maine may vary based on your profile and the insurance company. MoneyGeek’s data shows that you could save as much as $461 per year by comparing rates between different insurers.

Cheapest Car Insurance for Drivers With Tickets in Maine

Even a minor driving offense like a speeding ticket can increase your car insurance costs. In Maine, a driver with a speeding ticket pays $844 per year on average for auto insurance, compared to $640 for drivers whose record is clean.

The least expensive car insurance providers in Maine for drivers with speeding tickets and full coverage are, on average:

  • State Farm: $697 per year
  • Concord Group: $699 per year

For military members, USAA is the cheapest option in the state at an average cost of $434 per year. Progressive is the priciest car insurance for Maine drivers with tickets, at $1,026 on average per year.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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Moving violations such as speeding or distracted driving will negatively impact your car insurance rates. The effects of a ticket on your car insurance rates may be short-term for a first-time offense or long-term for repeat offenders. To help you get the best rates under these circumstances, be sure to shop for new rates each year when it’s time to renew your current policy. Checking with different insurance companies could result in a better rate.

Cheapest Car Insurance for Drivers With a DUI in Maine

In Maine, a driver with a DUI is charged $1,041 per year on average for auto insurance, compared to $640 for the average driver with a clean record.

On average, the cheapest car insurance companies in Maine for a driver with a DUI who needs a full coverage policy are:

  • State Farm: $697 per year
  • Progressive: $887 per year

USAA, available to military families, charges an affordable option at $774 on average per year. GEICO is the most expensive option, at an average rate of $1,271 per year.

AVERAGE CAR INSURANCE RATES WITH A DUI

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A DUI conviction in Maine can result in various costs, including legal fees, hefty fines and other expenses. In addition, you might face mandatory jail time. Luckily, you can still get affordable rates with a DUI. MoneyGeek found that shopping around could help you save as much as $574 per year.

To save money on your car insurance premiums, don’t drink and drive.

Cheapest in Maine for Drivers With an At-Fault Accident

If your driving record includes an at-fault accident, you will pay more for car insurance. In Maine, drivers with an at-fault accident pay an average of $953 per year.

On average, the cheapest auto insurance providers for drivers with an at-fault accident in Maine are:

  • State Farm: $761 per year
  • GEICO: $794 per year

If you are eligible for a USAA policy, you will pay an average of $535 per year for car insurance with an at-fault accident. Progressive is the most expensive option, at roughly $1,442 per year.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in Maine for Drivers With Bad Credit

In Maine, drivers with low credit scores pay higher premiums than those with good credit scores. The average cost of car insurance for drivers with poor credit in Maine is $1,103 per year compared to $640 for the average driver with healthy credit.

The cheapest average car insurance companies in Maine for drivers with low credit scores who want full coverage policies are:

  • GEICO: $835 per year
  • Concord Group: $890 per year

USAA, available for military families, offers the cheapest option in Maine at an average cost of $676 per year. The most expensive car insurance for drivers with bad credit is State Farm, at $1,299 on average annually.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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The insurance companies consider your credit score before giving you a quote because it helps them estimate how likely you are to file a claim. Even if you have a bad credit history, you can save on your policy by comparing the rates of different insurers.

Based on MoneyGeek’s analysis, the difference in policy cost of the cheapest and the most expensive insurer in Maine is $464. If you want the best deal, it will help to shop around and compare quotes.

Cheapest Car Insurance in Maine for Military Drivers

USAA is the cheapest car insurance in Maine for active-duty military members, veterans and their families. If you are eligible for USAA, you can save up to $69 per year by selecting USAA instead of the second-cheapest insurer, GEICO.

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MoneyGeek Top Pick
USAA
  • Average rate: $197 per year
  • Ranks 1st out of 7 insurers

USAA is Maine's cheapest auto insurance, with annual coverage costing an average of $197. To save more money, qualifying policyholders can take advantage of USAA's numerous discounts. USAA provides simple strategies to cut your premiums and make car insurance cheaper, such as combining policies, completing a driver safety course, having a good driving record and insuring multiple automobiles.

Cheapest Car Insurance in Maine by City

Where you stay in Maine can have a considerable impact on the cost of your car insurance policy. MoneyGeek’s research in the state included the city of Portland, which has an average car insurance cost of $607 per year.

You can click on your city to determine how much you will be charged for car insurance in your area.

AVERAGE INSURANCE RATE BY CITY IN MAINE

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Car Insurance in Maine: What You Need to Know

Maine’s law mandates that every car registered in the state has to have insurance, even if you don’t drive it.

Maine Insurance Requirements

In Maine, drivers must show a physical or electronic insurance card when registering a vehicle. You'll also have to show insurance proof if you get pulled over by a police officer or cause a collision.

According to the state's law, drivers must have an auto insurance policy with at least 50/100/25 in liability limits, 50/100 in uninsured motorist coverage limits and $2,000 in medical payments coverage per person.

If you can't get traditional insurance, you can get a certificate from a surety company by depositing money with the state treasurer and showing the receipt to the Secretary of the state, who then issues a certificate. However, it's a very costly option.

While buying minimum coverage may seem enough, it won't cover all your potential costs in case of an accident. Based on expert recommendations, you should get a policy with at least liability coverage of $100,000 per person and $300,000 per accident for adequate protection. It would also be best to get comprehensive and collision coverage as it'll take care of your car in case of accidents, both on the roadway and off.

FAQs About Car Insurance in Maine

To help consumers in Maine make the right choice when purchasing car insurance, MoneyGeek answers frequently asked questions about how much to buy and the cost of a typical policy.

Expert Advice on Finding Cheap Car Insurance in Maine

To help you find credible and accurate insight on car insurance in Maine, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Maine should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Maine take to find affordable car insurance?
Daniel Ford
Daniel Ford

Instructor of Economics and Business Administration at Southern Maine Community College

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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